The top-rated long-term care insurance agent in Frederick, Maryland is Adams Insurance Agency - A Relation Company, rated 4.9 stars across 304 reviews. Other highly rated options include Kathy Schultze - State Farm Insurance Agent, Connie Phillips Insurance, Lindquist Insurance. This directory lists 20 long-term care insurance agents serving Frederick.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Adams Insurance Agency - A Relation Company | 474 Prospect Blvd | (301) 662-0340 |
| 2 | Kathy Schultze - State Farm Insurance Agent | 100 Tuscanney Dr E | (301) 694-6711 |
| 3 | Connie Phillips Insurance | 605 W Patrick St | (301) 662-5717 |
| 4 | Lindquist Insurance | 7430 New Technology Way Suite 120 | (301) 694-0008 |
| 5 | BMC Insurance, Frederick MD | 295 Bucheimer Rd B | (301) 698-5425 |
| 6 | Escobar Insurance Agency | 45 Waverley Dr Suite I | (301) 620-0950 |
| 7 | Lebherz Insurance | 401 W Patrick St | (301) 662-0250 |
| 8 | Insurance Brokers of Maryland, LLC | 182 Thomas Johnson Dr Ste 202 | (301) 668-2233 |
| 9 | Comparion Insurance Agency | 5283 Corporate Dr Ste 302 | (301) 620-1061 |
| 10 | Frederick Mutual Insurance Company | 5280 Corporate Dr Suite A270 | (301) 663-9522 |
Adams Insurance Agency - A Relation Company serves the Frederick, Maryland area as a dedicated long-term care insurance agent. It helps local clients plan for potential future care needs by offering guidance on policies that can cover assisted living, home health care, and nursing facility costs. The agency focuses on assessing individual client situations to match them with suitable coverage options. It specifically handles policy selection and personalized needs assessment for long-term care coverage in this region.
Kathy Schultze - State Farm Insurance Agent in Frederick, MD provides services primarily focused on long-term care insurance for individuals planning for future health needs. The agency helps clients manage the complexity of policies that cover extended care services not paid by standard health insurance. Ongoing policy support and claims assistance are offered to help maintain coverage throughout one's retirement years. This long-term care insurance agent services clients with single-family homes, apartments, retail locations, and restaurants.
Connie Phillips Insurance in Frederick, MD, assists homeowners and working professionals who are planning for potential future care needs. The agency serves local individuals by explaining how long-term care insurance policies can help protect personal savings from being drawn down by extended medical expenses. Clients receive clear guidance on policy options that address in-home assistance, assisted living, or nursing facility costs. This coverage allows families to prepare for later stages of life with more financial security. The firm also extends its services to residents across nearby communities in the Hagerstown metropolitan area.
Serving Frederick and surrounding communities, Lindquist Insurance provides long-term care insurance agent services, handling planning and policy placement for clients. The company works with individuals seeking coverage for future care needs, including home health aides and assisted living support. It addresses common concerns about protecting personal savings from rising care costs. To manage a typical client engagement, the agent begins by reviewing the client's financial situation and health history, then compares available policy options to match specific coverage requirements.
BMC Insurance in Frederick, MD distinguishes between one-time consultations and ongoing policy management services, helping clients understand long-term care insurance coverage. As a dedicated long-term care insurance agent, the agency assists local residents in evaluating policy options that address future care needs. Service runs on an as-needed basis, allowing clients to schedule appointments when reviewing existing coverage or planning for new protection.
Escobar Insurance Agency specializes in finding long-term care insurance policies that cover home care, assisted living, and nursing home stays in Frederick, Maryland, and the surrounding region. The agency guides clients through the complex process of comparing coverage options as retirement or health needs evolve. Its support helps families establish financial protection against the high costs of extended care. New enrollees often seek its help when anticipating a retirement date or needing to adjust a plan after an unexpected health development.
As Frederick residents begin planning for their retirement years, the need to protect savings from potential long-term care costs becomes increasingly important. Lebherz Insurance, serving the local community, provides guidance on navigating the complexities of long-term care insurance policies. Their work focuses on helping clients understand coverage options that safeguard assets against the high expenses of extended care. The process begins with a personal consultation and risk assessment to match
Insurance Brokers of Maryland, LLC works with individuals and families in Frederick, Maryland, to plan for future long-term care needs. The company specializes in offering long-term care insurance coverage designed to help protect assets and provide access to care. These policies can assist with costs for services such as home health aides, assisted living, or nursing home care. The firm serves a variety of commercial sectors, including offices, warehouses, and food service operations, helping employers and their employees prepare for potential care expenses.
Comparion Insurance Agency serves residents of Frederick, Maryland, with guidance on long-term care insurance policies. Coverage options are selected to help protect personal savings from future care expenses. The agency also assists commercial clients in the local area who require comparable coverage for their operations or workforce. Service encompasses the broader Frederick region, offering support for policy selection and enrollment planning. After initial placement, the agency accommodates requests for periodic policy reviews or adjustments between regular visits.
Frederick Mutual Insurance Company, based in Frederick, Maryland, is known for providing long-term care insurance coverage. The agency helps clients plan for future assisted living, nursing home, or home health care expenses. It offers policy comparisons and guidance through the selection process, focusing on local residents’ specific needs. Many policies protect assets while ensuring access to quality daily care services. As a specialty service, the company can also advise on hybrid life insurance policies that combine death benefits with long-term care protection.
What Does a a Long-Term Care Insurance Agent in Frederick Cost?
Long-term care insurance premiums in Maryland vary based on age health and benefit amount. For a 55 year old a policy with a 165 dollar daily benefit and 3 year term may cost between 1500 and 3000 dollars per year. Costs increase with age and for richer benefits. This is general information not insurance advice.
About long-term care insurance agents in Frederick
Long-term care insurance agents in Frederick Maryland help residents plan for future care costs. Maryland offers a Partnership Program that allows policyholders to protect assets equal to the benefits paid. A local agent can explain how this program works and guide you through available plans from multiple carriers.
Frequently Asked Questions
What does a long-term care insurance agent in Frederick do?
A long-term care insurance agent in Frederick helps you compare policies from different companies. They explain coverage options like home care and nursing facility benefits. They also ensure the policy meets Maryland state requirements for tax deductions and partnership eligibility.
How do Maryland long-term care partnership policies work?
Maryland has a Long-Term Care Partnership Program that lets you keep assets equal to the amount your policy pays. For example if your policy pays 100000 dollars in benefits you can protect 100000 dollars of assets from Medicaid. An agent can help you choose a partnership qualified policy.
Are there Maryland tax incentives for long-term care insurance?
Yes Maryland offers a state income tax deduction for long-term care insurance premiums. The deduction amount depends on your age and the type of policy. A Frederick agent can show you how this deduction applies to your specific situation.
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